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U.S. Bank Altitude® Go Visa Signature® Card
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On US Bank's secure site
Rates & FeesTerms Apply
Rewards Rate
4X points on takeout, food delivery and dining, 2X points at grocery stores, grocery delivery, gas stations and on streaming services, 1x points per dollar spent on all other eligible purchases
Welcome Offer
Earn 20,000 bonus points when you spend $1,000 in eligible purchases within the first 90 days of account opening.
Regular Purchase APR
14.99% - 23.99% Variable
Card Network
Annual Fee
$0
Credit Score Needed
Excellent, Good
Offer Details
  • Earn 20,000 bonus points when you spend $1,000 in eligible purchases within the first 90
    days of account opening. That's a $200 value redeemable towards merchandise, gift cards,
    cash back, travel and more

  • Earn 4X points on takeout, food delivery and dining

  • Earn 2X points at grocery stores, grocery delivery, gas stations and on streaming services
    $15 credit for annual streaming service purchases such as Netflix and Spotify

  • No annual fee*

  • 1X point per $1 on all other eligible purchases

  • Low Introductory APR on purchases and balance transfers

  • Points never expire

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All content is written by editorial staff or writers engaged by the site, not by marketers/sales staff. Editors responsible for producing the content are not in contact or affiliated with any advertiser and are not compensated based on success of the affiliate links. All decisions regarding recommendations are determined separately from advertising relationships. Any opinions, analyses, reviews or recommendations expressed are those of the author's alone, and have not been reviewed, approved or otherwise endorsed by any card issuer.

U.S. Bank Altitude® Go Visa Signature® Card Review

Who is the U.S. Bank Altitude Go Visa Signature card for?

The U.S. Bank Altitude® Go Visa Signature® Card is a less expensive option to the U.S. Bank Altitude Reserve card, but it still offers a generous rewards program at no annual fee. With this card, you will earn 4x points on food-related purchases, 2x points at grocery stores, gas stations, and on streaming services such as Spotify and Netflix, and 1x points on all other purchases.

Accompanying these rewards are a few other perks and benefits, which makes the card more attractive. This card has no foreign transaction fee, making it a feasible option whenever you are traveling internationally. It also offers a streaming bonus along with the easily redeemable points that never expire.

This card makes sense for people looking for solid rewards on everyday purchases at no added cost. We recommend this card to people with a good credit score looking for an everyday-use credit card.

Early Bonus

Signing up for the U.S. Bank Altitude Go Visa Signature card will reward you with a sizeable welcome bonus, on account opening you will receive 20,000 bonus points if you spend $1000 on eligible purchases within 90 days of account opening. This has an equivalent value to $200 of cash. It is highly recommended that you finance a large purchase early so that you can hit this threshold and receive this additional points bonus before it expires.

Rewards

Despite not having an annual fee like many rewards cards, the U.S. Bank Go Visa Signature card still offers handsome rewards to its cardholders. First, you will receive 4x points on all purchases on takeout, food delivery, and dining. Food makes up a large portion of your purchases regardless, so you are being rewarded for making purchases that you would have already made otherwise.

Next, you will receive 2x points on grocery store purchases, grocery delivery, streaming services, and at gas stations. Once again, these are purchases that you would be making anyway, so if you own this card, you will be rewarded for filling up your car, listening to your favorite music service, or buying groceries for your family.

Lastly, you will receive 1x points on all other purchases, rewarding you even if you spend outside of the recommended categories. This credit card has a simplistic rewards structure that tries to optimize your experience by giving you points for common purchases.

One added benefit of these points is that they never expire. You do not have to worry about losing your points if you do not redeem them within a certain period of time. Instead, you will be able to save up your points and spend them whenever you like.

Points from U.S. Bank are also very easy to access and redeem. Simply go to U.S. Bank’s online portal, sign in to your account, choose My Rewards, and then finally select Redeem Rewards.

One caution to consider is that the points from this credit card can not be pooled with points from the U.S. Bank Altitude Reserve card. The Reserve card is very exclusive and offers premium travel rewards for a steep annual fee of $400. It would have complimented the Go Visa Signature card nicely if the points could be pooled, as you could have maximized points on travel and dining. However, since points cannot be combined, you will not be able to optimize your rewards in this fashion.

Additional Perks

One of the greatest features of this card is that it offers 0% APR for 12 months on balance transfers and new purchases. This makes it really easy to transfer your debt from one account to another without having to encounter pesky fees. Also, this allows you to finance large purchases without paying interest, which is why we recommend taking advantage of this no-interest period and financing large purchases early.

This card also offers $15 in statement credit annually toward your favorite streaming service. This card already offers 2x points per $1 spent on streaming services, and now it rewards you even more with a free $15 toward the service of your choice. Potential options include Netflix, Hulu, Apple Music, Spotify, Amazon Music, Pandora, YouTube, among many others.

The U.S. Bank Altitude Go Visa Signature card also voids a foreign transaction fee, making it a decent choice to use when traveling internationally. Although this card does not offer many travel benefits or rewards, this feature will allow you to spend internationally without worrying about large fees, since people usually spend more money when they are traveling abroad.

U.S. Bank also provides an easy to use mobile banking app, which allows you to bank from anywhere. With the app, you will have the ability to transfer your balances between your accounts, deposit checks, manage and pay bills, and send or receive money.

Finally, if you are ever struggling with your account, there are a variety of ways in which you are able to receive help. First, there are more than 4,700 U.S Bank ATMs and 2,900 branches, so you can easily access your account in-person if you do not like dealing with online features. However, you can also use online or mobile banking to quickly check your account details from anywhere. If you want to speak with a customer service representative, you can call 1-800-USBANKS and speak to a qualified worker at any hour of the day.

No Annual Fee

To top off the rewards system of this card is its lack of an annual fee. Many other comparable rewards cards charge high annual fees to receive this many rewards points in common categories. However, U.S. Bank voids this fee and allows you to use this card for free. Thus, you could be receiving the $15 streaming credit, up to 4x points per dollar spent, and 20,000 bonus points at no annual cost. Although fees are low with this card, beware of late fees, return payment fees, and fees on balance transfers and cash advances, which can add up.

Conclusion

The U.S. Bank Altitude Go Visa Signature card offers generous rewards at very little cost. With no annual fee and no foreign transaction fee, you can use this card at any time, anywhere. The solid rewards structure, the signup bonus, and the other amenities such as the streaming service statement credit will allow you to maximize your rewards on everyday items without having to spend money out of your pocket.

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